Some friends are eager to use money, but they have repeatedly encountered obstacles on the road to credit. They often wonder: "I clearly have a credit limit and I am not overdue. Why are my loan applications always rejected?"

< p> Maybe on the surface it looks like you meet all the requirements for applying for credit, but inadvertently you have stepped on a credit loan review landmine!

1. Bad debts

Bad debts refer to receivables that have passed the payment deadline, cannot be recovered after collection, are in a sluggish state for a long time, and may become bad debts. It is also the result of failure to settle accounts in a timely manner, and also refers to property that cannot be recovered because the other party does not return it. This situation is more serious than an overdue credit card, and can even destroy your personal credit report. It is a serious bad credit record.

So if there is a bad debt, how should we solve this problem? First of all, we must know that we cannot wait for the bank to contact us proactively. We must take the initiative to improve our credit record. Bad debts are divided into general bad debts arising from arrears and premium bad debts. We need to take appropriate measures. When faced with general bad debts, users must first pay off their debts and then close their accounts. If the bad debts are not closed, the bad debts on the credit record will not be eliminated. As for the premium bad debts, the excess payment must be withdrawn first and the account must be closed. If the bad debt is caused by the annual fee of a credit card, just pay off the outstanding balance and close the account.

2. "Three in a row and six in a row" and "more than two in a row"

"Three in a row and six in a row" refers to three consecutive overdue repayments on a credit card, with a total of six overdue payments; "Three consecutive months" means that the monthly mortgage or car loan payments are overdue or non-repayable for 2 to 3 months in total. Many banks focus on records within 24 months when reviewing personal credit status. If you frequently default, the bank's "favorability" of your credit will be greatly reduced. "If you borrow and repay, it's not difficult to borrow again." If the bank identifies you as a "problem customer," your next borrowing journey will be very difficult!

3. Sleep Credit Card

What is a "Sleep Credit Card"? Think about it carefully. Have you ever applied for a credit card but then put it into limbo and remained idle? If so, congratulations, you may have been shot. Credit cards usually have annual fees. If your credit card is a "sleep card" and you fail to pay the annual fee as required, then you will have an overdue credit due to the unpaid annual fee on the credit card.

4. Utility and telephone bill arrears

Many friends may not know that telecom call bill deposit records are also subject to credit reporting. Do you feel a chill in your back when you see this? If you fail to pay your phone bills for a long time, not only will you need to pay liquidated damages, but the telecommunications department may also upload your behavior to your personal credit record. In addition, if water and electricity bills are in arrears for a long time, it is easy to get on the official credit list.

Everyone should pay attention to their credit status. Otherwise, if they don’t care about it at all, when no credit institution opens the door to you when you need credit assistance, you will lose more than you gain.